Non-ACA Health Insurance Options in Delaware (2026)
Not everyone in Delaware is best served by a Marketplace plan. Here are the non-ACA options available here, with an honest look at what they do and don’t cover.
Non-ACA options in Delaware
Health care sharing ministries are faith-based groups whose members share medical bills. They are not insurance, so they do not have to cover pre-existing conditions or pay any particular claim, and they are not protected by Delaware's insurance rules such as the caps on insulin and specialty drug costs.
Delaware has no Farm Bureau health plan. The main non-ACA option sold by insurers is a short-term plan, which the state limits to 3 months.
Some people pick these options because the monthly cost looks lower, especially without subsidies. Weigh that against the risk of a large bill that is not covered, and check first whether you qualify for a Marketplace subsidy or Medicaid.
Health care sharing ministries
Health care sharing ministries are member cost-sharing arrangements, not insurance, so they do not have to follow ACA rules such as covering pre-existing conditions and are not required to pay claims. Delaware residents can join them, but they carry the same trade-offs as anywhere else.
Other options
Delaware caps what state-regulated plans can charge you for insulin and diabetes supplies at $35 a month and specialty drugs at $150 a month, which only applies to real insurance, not to sharing ministries or short-term plans.
The trade-offs to understand
Health sharing programs are not insurance. Members share medical bills under the program’s guidelines, and payment isn’t guaranteed. Most limit or exclude pre-existing conditions for a period, and they don’t qualify for premium tax credits.
Fixed indemnity and similar plans pay set dollar amounts for specific events rather than covering your bills, so they work best as a supplement. Before choosing any non-ACA option, compare it against what you would actually pay for a Marketplace plan after subsidies.
Delaware questions
Don’t see your question? Ask a licensed agent or call (888) 214-4898.
No. Sharing ministries are not insurance and do not have to cover pre-existing conditions or pay any particular bill. Delaware's insurance protections, such as caps on insulin costs, apply to state-regulated insurance plans.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
